Friends have been slowly buying houses of their own. They took a risk in buying houses with limited funds and they are now a few years into paying mortgage. They actually could not believe they are almost done paying! In life, especially when it comes to money, there are risks we all need to take. It's either a win or lose situation. One must weigh the pros and cons of each investment separately and decide if it's worth taking the risk. There is an annuity advantage one can always avail.